Comenity

I came to Vacation Club (Comenity Capital Bank) from Wyndham Resort Purchase. The pitch was 6 months interest free if paid by 2 April 2021. On 12 March I obtained an official check from my credit union for the $6514 charge and put it in the mail. I waited a week and started follow up calls and nothing was found. On 29 March my Credit Union called as they had received a letter form Comenity that they couldn't find the account (which was on the check) and so any issue was clarified and sent back to Comenity.

I have several retailer cards through them and I'm getting the feeling that management of different accounts might have something to do with the retail company overseeing their work. I have had no issues with my Ulta card, however, my with Forever 21 card, there is always conveniently "technical issues" when trying to log in every month the day before my due date to pay my balance. I don't set up auto payments because I don't carry a balance. Since I have a newborn, it's difficult to remember to try again later, so then you end up with a late fee. This has happened 3 months in a row since I've been using the card this year....

Like others, I’ve had 3 credit cards with CB over the last 3 years. Paid my bill on time and utilized my cards here and there but never to a point where I just went months not using my cards. It appears this company is only interested in you having their credit cards/promotional plans if they believe they can make money off you through late fees and interest.

I’ve had 3 cards with this bank. They are known to lower your limit if you pay card off in one large lump sum. Not only do they lower your limit, but they closed my account for inactivity!! I have for years bought clothes for birthdays, Christmas and school year, and not once did they close my account due to inactivity when I had a balance, but once I paid off my total, now they want to say they closed my account due to inactivity. Never one late payment, never once went over limit!! I thought it was just a fluke the first time, but here I am 3 cards later, from different retailers, all closed. Mind you, I paid off my cards in February, my cards were used in December, we are now in April... closed. So not only did I have a hit to my credit (which I baby very much) when they lowered my limit, but then a huge hit when they closed. Please. If you care about your credit, this is not the bank for you. They only want you when they can collect interest and late fees from you.

So I was shopping in what use to be one of my favorite stores in the mall NY$Co. I was asked if I wanted to apply for a store credit card and if approve I can get an additional percentage off my purchases. I was approved for a credit line of $500. Wow! This is great. A few weeks later I made a few other purchases nothing large so my total is about $200 all together (including first purchases). I receive the first bill and made payment. Second bill and made payment on time. About a month later after making payment I went shopping and now my bill is close to $300 and now we run into problems. I was late making the fifth month payment and I am alright with that and I eat the astronomical late fee penalty.

I have an 18 month loan - I have made electronic payments on the 6th of every month - my payment due date is the 10th - was going fine - now, I have 3 payments remaining and will be paid in full 4 months early. Suddenly, they held my payment and didn't process it for 3 days - past the due date, so late fee attached - again, the next month I moved the payment to the 5th of the month - again, this time held for processing for 8 days so again, a late fee. They say their policy indicates their processing is not specified so don't count on the payment being done in time.

I have had several promotional plans with them. My 21 year old son died and I missed paying a furniture company promotional plan off by 5 days. I asked them a consideration due to the circumstances and they told me, "NO it's a valid charge" and "Too bad". Also, the furniture was back ordered for 6 months and I was charged before I received the merchandise. I called the furniture store and they said I needed to call Comenity. When I called them they said that's how it worked sorry. So I made payments for 6 months on a product that I didn't have and wasn't even sure if I was ever going to receive. Then I'm grieving the loss of my son and they charge me a huge finance charge for 18 months of the original balance. Way to stick it to you when you're down. Horrible company.

I have never been a fan of Comenity Bank. They are not a good lender and they are predators. I had a store card for many years with Comenity. Always paid on time, not one late payment. In August 2020 I paid off the $1800 balance and had a $0 balance. The store charged $19 to my credit card without me knowing – for some sort of “club” in November 2020. I did not receive an email from Comenity that my statement was ready (which I have in the past when it had a balance) and had no reason to even look at that card since I literally just paid it in full. In March 2021 I get call from an unidentified phone number on my work line (late at night). No message. I google the number to see it is Comenity. I then log into all my store credit card accounts to see why they might be calling me. Well by then they had reported me as 60 days late to all 3 credit bureaus and the $19 charge became $77. I disputed this with them and was ignored.

Disgraceful! These people are the absolute worst for shady incorrect interest charges. They're the worst for CS. I was farmed to this crap bank through both Amazon and Sephora without my knowledge. On both occasions I've noticed inaccurate billing via payment and purchase history. Completely unacceptable business culture. They couldn't care less. They also farmed my account for Mattress Firm which dumped their ** soon after as well as Wayfair. Get a grip and find a reliable reputable bank to farm my business to, but not before I agree, for God's sake, now I'm repulsed by all these businesses' bad decisions. You've been warned!

Horrible customer service, broken promises, deceiving practices. They incorrectly placed a promo balance a year ago during the pandemic, not only they didn't fix the mistake, they refused to allocate payments to try to bring the balance down. I'm loyal to IKEA but will never use COMENITY ever again. Their practices have no consideration for consumer rights, they just want to charge 21.99% on an incorrect sale. Beware!